{"id":"W4401887393","doi":"10.2139/ssrn.4936894","title":"Dual Credit Markets: Income Risk, Household Debt, and Consumption","year":2024,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Housing, Finance, and Neoliberalism","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":false,"ca_institutions":"Kellogg's (Canada)","funders":"","keywords":"Consumption (sociology); Household debt; Debt; Dual (grammatical number); Economics; Monetary economics; Credit risk; Business; Financial system; Finance","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001427575,0.0002976634,0.0006849692,0.0008151155,0.0004128394,0.002875675,0.0005659396,0.001492479,0.009690238],"category_scores_gemma":[0.008500951,0.0002494745,0.00035674,0.00133946,0.001372844,0.002727196,0.001359581,0.001940426,0.0004421664],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0009919953,"about_ca_system_score_gemma":0.000538659,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.004978446,"about_ca_topic_score_gemma":0.007278006,"domain_scores_codex":[0.9996761,0.0001456202,0.00001991686,0.00004939607,0.00003698748,0.00007206028],"domain_scores_gemma":[0.9909886,0.00423948,0.002831137,0.0002755905,0.0003217797,0.001343436],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.001159042,0.0008284802,0.8237356,0.0001325853,0.0003402012,0.0009580633,0.0007546802,0.01126646,0.0004527994,0.1189446,0.006048561,0.03537891],"study_design_scores_gemma":[0.0002244075,0.0004463338,0.5100204,0.0002575578,0.0002867883,0.0009746252,0.003425269,0.08307505,0.0005738817,0.3938302,0.006798675,0.00008674272],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9765009,0.005017452,0.0032961,0.00800873,0.00005939513,0.00001681946,0.0006910174,0.0000185917,0.006391177],"genre_scores_gemma":[0.9971644,0.0006176351,0.0001082549,0.00007451874,0.00006870188,0.000004396888,0.0001237343,0.000002279638,0.001835909],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.009690238,"threshold_uncertainty_score":0.03241706,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01722754973922947,"score_gpt":0.2149651689754954,"score_spread":0.1977376192362659,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}